TellerScore

First Secure Community Bank is a state-chartered bank headquartered in Sugar Grove, Illinois, in business for about 26 years. At the end of Q2 2026 it reported $528.8M in total assets and $427.8M in deposits, with 5 offices.

First Secure Community Bank has a TellerScore of 34 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 318th. Funding & liquidity contributes the most (63/100, 91% loans-to-deposits, 22% uninsured); loan quality contributes the least (5/100, 2.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.43%
Loan quality5/100
Noncurrent loans ÷ total loans: 2.85%
Earnings31/100
Return on assets (annualized): 0.28%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 90.5% · 21.5% uninsured
Problem-loan coverage43/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 28.61%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (37 → 34), mostly because the problem-loan coverage component weakened by 17 points.

TellerScore
323844Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202432
Q3 202433
Q4 202433
Q1 202535
Q2 202537
Q3 202540
Q4 202544
Q1 202636
Q2 202634
Tier 1 leverage ratio
5.00%7.21%9.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.87%
Q3 20248.94%
Q4 20248.80%
Q1 20259.12%
Q2 20259.39%
Q3 20259.29%
Q4 20259.26%
Q1 20269.31%
Q2 20269.43%
Noncurrent loans
2.05%3.31%4.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20244.57%
Q3 20243.60%
Q4 20244.15%
Q1 20253.11%
Q2 20252.89%
Q3 20252.45%
Q4 20252.05%
Q1 20262.71%
Q2 20262.85%
Return on assets
0.15%0.22%0.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.15%
Q3 20240.18%
Q4 20240.18%
Q1 20250.16%
Q2 20250.19%
Q3 20250.23%
Q4 20250.25%
Q1 20260.28%
Q2 20260.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202634$528.8M9.43%2.85%0.28%90.5%
Q1 202636$528.4M9.31%2.71%0.28%89.6%
Q4 202544$525.8M9.26%2.05%0.25%88.7%
Q3 202540$513.8M9.29%2.45%0.23%82.4%
Q2 202537$507.0M9.39%2.89%0.19%81.9%
Q1 202535$503.0M9.12%3.11%0.16%76.0%
Q4 202433$515.4M8.80%4.15%0.18%73.2%
Q3 202433$512.6M8.94%3.60%0.18%76.1%
Q2 202432$506.3M8.87%4.57%0.15%76.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.43%
20th
Total risk-based capital11.47%
50th
Problem loans2.85%
7th
Net charge-offs0.05%
27th
Return on assets0.28%
7th
Net interest margin3.30%
20th
Efficiency ratio80.5%
13th
Loans to deposits90.5%
25th
Uninsured deposits21.5%
59th
Loan-loss reserves0.99%
25th
Texas ratio28.6%
2nd

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Community BankBank Mascoutah, IL31 out of 100, Low$531.0M9.8%5.81%vs
Germantown Trust & Savings BankBank Breese, IL87 out of 100, Very strong$523.6M11.6%0.13%vs
Pan American Bank & TrustBank Melrose Park, IL59 out of 100, Moderate$536.1M8.6%0.12%vs
First Nations BankBank Chicago, IL82 out of 100, Strong$536.6M14.1%0.12%vs
Lisle Savings BankBank Lisle, IL80 out of 100, Strong$544.5M26.1%0.95%vs
First Robinson Savings Bank, National AssociationBank Robinson, IL57 out of 100, Moderate$512.1M8.7%1.37%vs

Deposit insurance

Is my money safe at First Secure Community Bank?

Yes. First Secure Community Bank is an FDIC-insured institution (FDIC certificate #35223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.5% of deposits ($92.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.43%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.47% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

First Secure Community Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Secure Community Bank
Former names
American Heartland Bank and Trust
Type
State-chartered bank
FDIC certificate #
35223
RSSD ID
2805535
Primary regulator
FDIC
Holding company
First Secure Bank Group Inc
Established
February 7, 2000
Headquarters
670 N Sugar Grove Pkwy, Sugar Grove, IL 60554
Employees
44

Quick answers

First Secure Community Bank: common questions

Is First Secure Community Bank FDIC insured?

Yes. First Secure Community Bank is an FDIC-insured institution (FDIC certificate #35223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Secure Community Bank's TellerScore?

34 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Secure Community Bank ever failed?

There is no failure record for FDIC certificate #35223 in the FDIC failed bank list.

How many branches does First Secure Community Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sugar Grove

InstitutionScoreAssetsCapitalProblem loansCompare
Aurora Policemen Credit UnionCredit union Aurora, IL95 out of 100, Very strong$26.3M15.3%0.00%vs
Aurora Firefighters' Credit UnionCredit union Aurora, IL93 out of 100, Very strong$2.7M16.1%0.00%vs
First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs
Earthmover Credit UnionCredit union Aurora, IL87 out of 100, Very strong$471.7M19.3%0.75%vs
Molex Employees Federal Credit UnionCredit union Lisle, IL84 out of 100, Strong$6.5M18.4%0.47%vs
Joliet Firefighters Credit UnionCredit union Joliet, IL84 out of 100, Strong$8.3M11.6%0.00%vs